JP2002007936A - Credit settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit settlement method capable of removing the anxiety for no payment of a price on a shop side and solving the anxiety for no arrival of a commodity and the troublesome refunding procedure due to the return of an unsatisfactory article on a purchaser side. SOLUTION: In a network system formed by mutually connecting a server having an online shop opened on a network, the terminal of the purchaser and the terminal of a credit company, the server transmits the information necessary for direct payment of commodity price inputted by the purchase through its own terminal according to the decision of the intension to purchase a commodity to the terminal of the credit company, permits the direct payment of the commodity price when a scheduled period passes after the notification of the shipment completion of the commodity by the seller, and instructs the terminal of the credit company to stop the direct payment when the notification of requesting the stop of direct payment from the purchaser before the lapse of the scheduled period.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a credit settlement method in online shopping.

[0002]

2. Description of the Related Art In recent years, shopping on a communication network such as the Internet (so-called online shopping) has been rapidly spreading. In the Internet shopping, many stores adopt a payment method in advance of payment in order to prevent unpaid charges.

[0003]

SUMMARY OF THE INVENTION The payment method of the prepaid form is, from the viewpoint of the purchaser, whether or not the purchased product can be reliably delivered to the user, and even if the product is delivered, it is not confirmed. It is anxious about whether or not the product is as expected. In order to eliminate such anxiety, the number of retailers using so-called product cash on delivery, which pays for products in exchange, has increased.

[0004] However, even in this format, basically, payment must be made at the same time as the receipt of the product, that is, before confirming the contents, and the purchaser is a product different from what he expected. In such a case, complicated processing for the return and refund of the product is undertaken.

[0005] Further, even in credit settlement that appears to solve these problems at a later date, it is necessary to make a payment decision before confirming the actual product, so the same problem as described above remains. .

[0006] Therefore, the present invention provides a credit settlement method that eliminates concerns about unpaid payments for a store and anxiety about unpaid goods for purchasers and troublesome refund processing procedures when unsatisfied goods are returned. With the goal.

[0007]

According to a first credit settlement method of the present invention, a server for establishing an online shop of a seller on a net, a terminal of a purchaser, and a credit company which is a debit agent for merchandise charges. In the network system in which the terminals are connected to each other, the server makes a decision on product purchase by the purchaser, and transmits to the credit company terminal information necessary for the debit entered via its own terminal. Notify the credit company's terminal that the seller has completed shipping the product, and after receiving the notification, before the expiration of the scheduled period, the buyer will receive a notification requesting that the debit be stopped. Instruct the terminal of the debit to stop the withdrawal, and the terminal of the credit company, after receiving the notification of the completion of shipping the product from the server, If the previously received no instruction to stop the withdrawal from the server lapse between it is characterized by executing a debiting commodity price based on the information necessary to debit the buyer's received from the server.

[0008] In a second credit settlement method of the present invention, in the first credit settlement method, the server may include:
Before the expiration of the above-mentioned scheduled period, if the buyer receives a notice to return the product as a request to stop the debit, it instructs the credit company terminal to stop the debit of the product price. And

[0009] In a third credit settlement method of the present invention, in the first or second credit settlement method, the server requests the purchaser to stop debiting before the predetermined period elapses. When the product is notified that the product has not been delivered, the shipment of the product is confirmed.If the product has been shipped, wait for the specified period to elapse.If the product has not been delivered, After the shipment, the terminal of the credit company is notified again of the completion of the shipment of the product, and the whole period is again waited for.

[0010] The server of the present invention is a server for establishing a seller's online shop, and is connected to a terminal of a credit company for withdrawing the commodity price after a predetermined period after the seller sends out the commodity, via the net. The information relating to the withdrawal of the product price, which is input along with the purchaser's decision to purchase the product via the terminal of the buyer who is connected to the net and browses the online shop, is transmitted to the terminal of the credit company. , A deadline management unit that waits for a predetermined period after the merchandise has been shipped, and a request from the buyer to stop the withdrawal before the deadline management by the deadline management unit ends. Debit stop means for instructing the terminal of the credit company to stop debiting the product price when receiving the notification And it features.

[0011] The terminal of the credit company of the present invention is connected to a server for establishing a seller's online shop on the Internet,
A terminal of a credit company that is connected via the Internet and acts as a debit for the product price of the online shop, and is connected from the server via a terminal of a buyer who is connected to the Internet and browses the online shop. A purchaser information receiving means for receiving information relating to a withdrawal of a product price which is input in accordance with a purchase decision made by the purchaser, a notification receiving means for receiving, from the server, a completion notification of the purchaser's product shipment, Means for receiving the completion notification of the product shipment by the means, and after a predetermined period elapses, comprising a debit executing means for executing a debit of the product price based on the information received by the purchaser information receiving means. Receives an instruction to stop the debit from the server before executing the debit. Characterized in that it stop the withdrawal of the commodity price if taken.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (1) Outline of the Invention Hereinafter, terms will be explained before explaining a system adopting the credit settlement method of the present invention. The “seller” is an online shop homepage creator, and the “seller” is an online shop developed on the homepage. "Buyer"
A person who uses a computer connected to the Internet via a modem as a terminal, browses the store's homepage, and purchases a product. A "credit company" is a company that issues so-called credit cards, guarantees credit sales using the credit cards, and withdraws payments after selling products. Of these, it refers to a company that guarantees credit sales at affiliated stores using the credit settlement method of the present invention.

In the system employing the credit settlement method of the present invention, the purchaser makes a decision to purchase the product, and information necessary for withdrawing the product price, for example, a credit card When the data of the number and the expiration date are entered, the credit company is granted the right to withdraw the price. However, the credit company does not prepare for the scheduled withdrawal at this stage, but waits for a notification of the completion of the product shipment from the dealer. After receiving a notification from the retailer that the product has been shipped, the credit company will consider that the commercial transaction has been completed and complete the authorization ( So-called authorization)
At a predetermined timing, and at a predetermined timing, a commodity price is withdrawn from a bank affiliated with the purchaser.

[0014] By using the system adopting the credit settlement method, the store can send out the product after confirming that the purchaser has agreed to withdraw the product price and that the credit company has no credit problem. , The receipt of the price is guaranteed, and business can be performed with confidence. Also, the buyer is given sufficient time to receive and inspect the goods before withdrawing the price. As a result, it is possible to avoid the inconvenience that the product is not delivered, or only the price is withdrawn despite the delivery of a product different from the expected one.

(2) Embodiment FIG. 1 is a diagram showing a hardware configuration of a system 100 employing a credit settlement method according to an embodiment.
The system 100 includes a terminal 10 of a purchaser, a server 101 of a seller, and a terminal 150 of a credit company, each connected to the Internet 300 via a modem.
The purchaser's terminal 10 is a so-called personal computer, and is connected to the Internet 300 via a modem that is a line connection circuit. The buyer purchases the terminal 10
Thereby, the online shop opened by the seller's server 101 on the Internet can be browsed. As will be described later in detail, the credit company terminal 150 withdraws the product price from the partner bank 200 having the purchaser's account at a predetermined timing after the final approval.

FIG. 2 is a hardware configuration diagram of the server 101 of the store. The server 101 includes a control unit (CP
U) 102, a hard disk 103 for storing a program of an online shop homepage and order data by a purchaser, a memory 104, a display unit (display) 105, and an input unit (keyboard, mouse) 106
Is connected to the Internet 300 via a line connection circuit (modem) 107.

The control unit 102 controls the hard disk 10
Execute the program of the homepage of the online shop stored in 3. This allows the purchaser to browse the seller's homepage, that is, the online shop, on the screen of the terminal 10 via the Internet. The seller operates the input unit 106 to make various settings while checking the display on the display unit 105 as necessary. For example, when an e-mail is received from a purchaser, the seller checks the contents of the e-mail on the display unit 105, and when the contents of the e-mail are contents for requesting shipment confirmation or return, the credit company An instruction to cancel the provisional approval and stop the withdrawal is issued to the terminal 150, and a necessary screen is displayed on a homepage viewed by the purchaser. The contents of the process will be described later in detail.

FIG. 3 is a hardware configuration diagram of the terminal 150 of the credit company. The terminal 150 includes a hard disk 15 that stores a payment management program and customer (purchaser) data, mainly a control unit (CPU) 151.
2, a memory 153, a display unit (display) 154, and an input unit (keyboard, mouse) 155 are connected,
It is connected to the Internet 300 via a line connection circuit (modem) 156. The control unit 151 executes a payment management program stored in the hard disk 152. The control unit 151 stores the information on the withdrawal of the purchaser (identification data of the store, merchandise price, card number, and expiration date of the card) from the server 101 on the hard disk 152. The data of the customer is searched to determine whether the card has a credit problem. The content of the process executed by the terminal 150 will be described later.

(3) Description of Sequence FIG. 4 shows a terminal 10 of a purchaser and a terminal 15 of a credit company.
0, and the Internet 3 between the store server 101
FIG. 9 is a sequence diagram showing a flow of information exchanged via the "00". Hereinafter, the overall flow of the credit settlement method according to the embodiment will be described with reference to the sequence diagram.

In the sequence diagram, after the purchaser inputs data specifying the individual and enters the seller's online shop, the payment information by a credit card on the payment screen of the homepage, that is, the information is given in advance by the credit company. It starts when the data of the card number and the expiration date of the card are entered.

The server 101 of the store transfers the received card settlement information (commodity price, card number, card expiration date) to the terminal 150 of the credit company, and requests a credit confirmation. The terminal 150 of the credit company checks whether or not the card can be used based on the data requested for credit confirmation. Here, if there is no credit problem with the card, a temporary approval (hereinafter simply referred to as “temporary approval”) is notified to the store, and the product price is reserved from the card usage limit until the final approval. Keep it. On the other hand, if there is a credit problem such as the card expiration date or exceeding the usage limit, a notice of rejection is given.

When the server 101 of the store receives the notification of the provisional approval from the terminal 150 of the credit company, the server 101 displays the order confirmation / scheduled shipping date on the screen of the terminal 10 of the purchaser and informs the purchaser of the order. Send the same e-mail. Further, the data of the scheduled shipping date is transmitted to the terminal 150 of the credit company. Here, the reason why the e-mail for confirming the order is transmitted to the purchaser is to prevent an erroneous order made by a third party using the terminal 10 of the purchaser illegally.

When the rejection notification is received from the terminal 150 of the credit company, the server 101 of the store displays on the screen of the terminal 10 of the purchaser a screen indicating that the transaction cannot be performed (this sequence is shown in this figure). Not).

If an erroneous order is notified to the store server 101 via the screen of the purchaser's terminal 10 or via e-mail, the provisional approval is immediately canceled by the credit company terminal 150 (within the card usage limit). (Including cancellation of reservation of the product price) and stop of the withdrawal, and notify the purchaser of the suspension of the product shipment and the cancellation of the withdrawal. The notification may be directly displayed on the terminal 10 of the purchaser, may be performed by e-mail, or may be performed both.

It is preferable that the notification of the erroneous order by e-mail is handled as valid until immediately before the final approval by the terminal 150 of the credit company.

If there is no notification of the erroneous order by the terminal 10 or the e-mail from the purchaser, the store ships the product, and after the shipment, notifies the credit company terminal 150 and the purchaser terminal 10 of the completion of the shipment. Send.

The server 101 of the store, when the purchaser is notified of the non-payment of the product or the return of the product using the terminal 10 or e-mail within the first scheduled period after the product is shipped, Unpaid to the credit company terminal 150
A return notification is issued, and instructions are given to cancel the provisional approval (including canceling the reservation of the product price within the card usage limit) and to stop withdrawing the price. Note that the first period is a period from the date on which the store sends out the product to the day on which the product is delivered to the purchaser and sufficient to confirm the product. If the goods arrive one day after the shipment and the remaining three days are the period for confirming the goods, the first period is four days.

On the other hand, the terminal 150 of the credit company sends the first
Before the lapse of a second period that is the same as the period or longer than the first period (for example, one day longer than the first period, five days in the above example), the unpaid If no return notification is given, it is determined that a commercial transaction has been established between the purchaser and the store, and the server 101 of the store, the terminal 10 of the purchaser, and the partner bank 200
Notification of this approval. Thereafter, the terminal 150 of the credit company makes a payment to the store at a predetermined timing and, at a predetermined timing, the bank 200 having the account of the purchaser.
From the product price.

Note that the server 101 of the store, when receiving the final approval from the terminal 150 of the credit company, displays a screen notifying the establishment of the commercial transaction and the execution of the debit to the terminal 10 of the purchaser.

(4) Detailed Description of the Settlement Process Executed by the Store Server FIG. 5 and FIG. 6 are flowcharts showing the details of the process executed by the store server 101. FIG. 7 is a diagram showing an example of the window 120 displayed on the homepage viewed by the purchaser. FIG. 8 is a diagram showing a screen displayed in the active area 121 of the screen displayed on the homepage. Hereinafter, the processing executed by the server 101 of the store will be described in detail with reference to the screens illustrated in FIGS. 7 and 8 according to the flowcharts of FIGS. 5 and 6.

First, a purchaser who enters the home page is confirmed (step S1). Specifically, a purchaser information input column is provided on the initial screen of the homepage displayed on the screen of the terminal 10 of the purchaser, and the name and email address of the purchaser are input. Store server 10
1 notifies the purchaser's terminal 10 recognized by the processing, such as confirmation of an order and completion of shipment of the product. In addition,
For the first time only, input the name of the purchaser and the address of the e-mail. At this time, a unique ID number or password is assigned to each purchaser. It is good to do.

When the purchaser can be confirmed (step S2)
Then, the entry to the homepage is permitted, and as shown in FIG. 7, a window 120 displaying a product selection screen in the active area 121 is displayed (step S3). On the product selection screen, the product selection is
The check button 124 is selected by operating an input device such as a mouse. Active area 1 of window 120
21 displays an information input screen and a setting screen corresponding to the progress of the processing. In the window 120, in addition to the active area 121, a shipment confirmation button 122 for confirming the shipment status of the commodity determined to be purchased, and a return button 1 for notifying the seller of the intention of returning the commodity.
23. If the purchaser's approval cannot be correctly made due to an input error or the like (NO in step S2), the process immediately returns to step S1.

Active area 121 of window 120
Product selection button 1 provided on the product selection screen to be displayed
When 25 is selected (YES in step S4), the purchase determination screen shown in FIG. 8A is displayed in the active area 121 (step S5). Until the commodity selection completion button 125 is selected (N in step S4)
O), returning to step S3, showing the product selection screen shown in FIG.

"Y" in the purchase decision screen shown in FIG.
"ES" button 126 is selected (step S6
YES), a card information input screen required for withdrawal as shown in FIG. 8B is displayed in the active area 121 (step S7). On the other hand, if the “NO” button 127 is selected (NO in step S6), the above-described step S3
And the product selection screen is displayed again.

In the card information input screen shown in FIG. 8B, data of a card number and an expiration date are input.
It waits for the completion button 128 to be selected (NO in step S8). When the completion button 128 is selected (YES in step S8), the server 101 transfers the data for identifying the store, the product price, and the input card information to the terminal 150 of the credit company, and requests for credit confirmation. (Step S9 shown in FIG. 6).

The server 101 is a terminal 1 of a credit company.
50, the credit is confirmed, and the notification of the provisional approval is sent (YES in step S10), the order No. is sent to the purchaser's terminal 10. And a screen for confirming the scheduled shipping date of the product (see FIG. 8 (c)). Further, an e-mail of the same content is sent to the purchaser, and the data of the scheduled shipping date is sent to the terminal 150 of the credit company. It transmits (step S11). Here, the reason why the e-mail for confirming the order is transmitted to the purchaser is to prevent an erroneous order made by a third party using the terminal 10 of the purchaser illegally.

On the other hand, if a rejection notice is sent from the terminal 150 of the credit company (N in step S10)
O), a screen indicating that the transaction cannot be performed is displayed on the screen of the purchaser's terminal 10 as shown in FIG. 8D, and the process is terminated (step S12).

When the erroneous order is notified via the purchaser's terminal 10 or e-mail (YE in step S13)
S), as an order cancellation process, immediately after instructing the credit company terminal 150 to cancel the provisional approval and stop the withdrawal, and after notifying the buyer of the stop of the product shipment and the cancellation of the withdrawal, the process is performed. Is ended (step S14). Note that the above-mentioned notification is displayed directly on the purchaser's terminal 10 (see (i) of FIG. 8) and is transmitted by sending an e-mail having the same contents.

After the order confirmation / scheduled shipping date guidance in step S11 is performed, no erroneous order notification is received by the scheduled shipping date (N in step S13).
O), the merchandise is shipped (Step S15), and a shipping completion notice shown in FIG. 8E is sent to the purchaser's terminal 10 (Step S16). In addition, the shipping completion notification describes that the scheduled date on which the transaction is considered to be completed, and that when returning the product, it is necessary to notify before the scheduled date. The scheduled date to be regarded as the conclusion of the transaction is a date when a period sufficient for the purchaser to receive and inspect the product has passed after the product has been shipped, for example, four days from the shipment of the product (hereinafter referred to as a first period). Means the day on which has elapsed.

Wait for the first period to elapse (step S17). Before the first period elapses (step S1).
7 is NO), and there is a notification from the purchaser (YES in step S18), and in particular, the shipping confirmation button 122 provided in the window 120 shown in FIG. When the notification by the meaning e-mail is received (YES in step S19), a delivery confirmation process is performed (step S20). When the shipping confirmation button 122 is selected for product identification,
The screen of FIG. 8F is displayed on the terminal 10 of the purchaser,
Order reception No. Is required. For email,
The order reception number is included in the email. Must be described. Here, when the completion of the shipment is confirmed, the process returns to step S17. If the shipment has not been completed by mistake, the shipment is immediately performed, the shipment completion date is updated, the shipment completion notification is performed again, and the process returns to step S17.

When the return button 123 provided in the window 120 of FIG. 7 is pressed or when a notification by e-mail indicating return is received (YES in step S21), the return confirmation No. (Step S22), and instructs the credit company terminal 150 to cancel the temporary approval and stop the withdrawal, and to the purchaser terminal 10 (h) in FIG. ) Is displayed (step S23), and the process ends. When the return button 123 is pressed in step S21, a screen shown in FIG. 8 (g) is displayed on the purchaser's terminal 10 for product identification, and the order is accepted.
No. Is required. In the case of e-mail, the order reception number is included in the e-mail. Must be described.

When no notification has been received from the purchaser (NO in step S18), and when the content of the notification from the purchaser by e-mail is neither the non-payment nor the returned product (step S18). (YES in S18, NO in step S19, NO in step S21), step S1
The process returns to step 7 and waits for the elapse of the first period.

If the first period has elapsed (YES in step S17) and a non-payment notice has been issued by the purchaser, it is determined that some trouble has occurred, and the credit company terminal 150 is notified. Then, the user instructs the cancellation of the provisional approval and the stop of the withdrawal, displays the screen shown in FIG. 8 (h) on the terminal 10 of the purchaser (step S23), and ends the process. If no notification of non-payment has not been sent from the purchaser (YE in step S24)
S) Waiting for a final approval notification from the credit company terminal 150 (step S25). When the final approval notification is received (YES in step S25), the purchaser terminal 10
Then, a screen for notifying the establishment of the transaction shown in FIG. 8 (j) is displayed (step S26). Thereafter, after confirming payment from the terminal 150 of the credit company (step S27)
And the process ends.

(5) Detailed Description of Processing Executed by Terminal of Credit Company FIG. 9 is a flowchart of processing executed by the terminal 150 of the credit company. Credit company terminal 1
50 exchanges data with the server 101 of the store. Hereinafter, the processing content will be described in detail according to the flowchart.

The process of the terminal 150 of the credit company receives the data for identifying the store, the product price, the card number of the purchaser, and the data of the expiration date of the card from the server 101 on the store side, and requests the credit confirmation. Is started (YES in step S50). Here, if the corresponding card has no credit problem (YE in step S51)
S), the provisional approval notification is transmitted, and the commodity price is reserved from the card usage limit until the final approval (step S52). On the other hand, when there is a credit problem in the card for which credit confirmation is requested, such as the card expiration date or the usage limit has been exceeded (N in step S51).
O), a transaction rejection notification is transmitted (step S53).

It waits for the data on the scheduled shipping date to be sent from the server 101 of the store (step S5).
4). After receiving the above data (Y in step S54)
ES), until there is a shipping completion notice (step S5).
7) (NO in step S55), if an erroneous order confirmation is received (YES in step S55), the provisional approval is canceled, and the reservation of the commodity price from the card usage limit is canceled (step S56). On the other hand, if the shipment completion notification is received without receiving the erroneous order confirmation (NO in step S55, YE in step S57)
S), from the day when the shipment completion notification is received, start managing the progress of the second period which is the same as the first period or longer than the first period (for example, one day longer) (step S).
58). Before the lapse of the second period (N in step S61)
O) If there is an instruction from the server 101 of the store to cancel the temporary approval and stop the withdrawal (step S5)
9 (YES in 9), as a process of stopping the withdrawal, after canceling the provisional approval and canceling the reservation of the product price at the card usage limit (step S60), the process is terminated.

If the second period has elapsed without an instruction to stop the withdrawal from the server 101 of the store (YES in step S61), the terminal 10 of the purchaser, the server 101 of the store, and the bank 200 of the partner are sent to the terminal 10 of the purchaser. The main approval is notified (step S62), the product is paid to the store at a predetermined timing (step S63), and the product is debited from the bank 200 at a predetermined timing from the main approval notification (step S63). Step S64), the process ends.

[0048]

According to the first credit settlement method of the present invention, when the purchaser decides to purchase the product, the server obtains the information regarding the debit, and the information is transmitted to the terminal 150 of the credit company. As a result, it is guaranteed that the price will be obtained when the store ships the product. On the other hand, since the purchaser receives the goods and receives the payment after a predetermined period, the purchaser can return the goods during this period, thereby preventing the useless payment of the goods.

According to the second credit settlement method of the present invention,
Before the expiration of the above-mentioned scheduled period, when the buyer receives a notification to return the product as a request to stop the debit, the credit company terminal is instructed to stop the debit of the product price. This allows the purchaser to return the product before the product has arrived and the scheduled period has elapsed, thereby preventing wasteful payment of the product.

In the third credit settlement method of the present invention,
Before the expiration of the above-mentioned scheduled period, if the purchaser receives a notification that the product has not been delivered as a notification requesting the stop of the debit, we will confirm the shipment of the product, and if it has been shipped, Wait for a predetermined period to elapse, and if the product has not been shipped yet, wait for the whole period to elapse again after the product is shipped. As a result, the purchaser can prevent the payment from being withdrawn when the goods have not been paid.

The server according to the present invention is used when the purchaser decides to purchase the product, obtains information regarding the withdrawal of the product, and the store sends the product when the information is sent to the terminal of the credit company. Can be guaranteed. On the other hand, the purchaser can prevent useless withdrawal by returning the product while the product arrives at hand and the scheduled period has elapsed, for example.

In the terminal of the credit company of the present invention, when the purchaser decides to purchase the product, obtains information regarding the withdrawal of the price, and when the information is sent to the terminal of the credit company, the store checks the product. It is possible to guarantee that you will get the price when you send it out. On the other hand, the purchaser can prevent useless withdrawal by returning the product while the product arrives at hand and the scheduled period has elapsed, for example.

[Brief description of the drawings]

FIG. 1 is a hardware configuration diagram of a system adopting a credit settlement method.

FIG. 2 is a hardware configuration diagram of a server of a store.

FIG. 3 is a hardware configuration diagram of a terminal of a credit company.

FIG. 4 is a diagram showing a flow of information exchanged between a terminal of a purchaser, a terminal of a credit company, and a server of a store via the Internet.

FIG. 5 is a processing flowchart executed by a server of a store.

FIG. 6 is a processing flowchart executed by a server of a store.

FIG. 7 is a diagram showing an example of a screen displayed on a homepage viewed by a purchaser.

FIG. 8 is a diagram showing a screen displayed in an active area in a screen displayed on a homepage.

FIG. 9 is a flowchart of a process executed in a terminal of a credit company.

[Explanation of symbols]

10 Buyer's terminal, 100 system, 101 Seller's server, 102, 151 Control unit, 103, 152
Hard disk, 104, 153 memory, 105,
154 display unit, 106, 155 input unit, 107, 1
56 line connection circuit, 150 credit company terminals,
200 banks, 300 internet.

Claims (5)

[Claims] 1. A network system in which a server for establishing an online shop of a seller on a net, a terminal of a purchaser, and a terminal of a credit company, which is an agent for debiting goods, is connected. The buyer makes a decision to purchase a product,
Send the information required for withdrawal entered via your own terminal to the credit company terminal, notify the credit company terminal that the seller has completed shipping the product, and after the notification, the scheduled period If the buyer receives a notification requesting that the debit be stopped before the expiration, the credit company terminal instructs the credit company terminal to stop the debit, and the credit company terminal receives a notification from the server that the shipping of the product has been completed. Thereafter, if the server does not receive an instruction to stop the debit from the server before the elapse of the scheduled period, the debit of the product price is executed based on the information received from the server and necessary for the debit of the purchaser. Characteristic credit settlement method. 2. The credit settlement method according to claim 1, wherein the server receives a notification from the buyer that the product is to be returned as a notification requesting stop of debit, before the scheduled period elapses. A credit settlement method characterized by instructing a terminal of a credit company to stop withdrawal of a product price when the credit card is charged. 3. The credit settlement method according to claim 1 or claim 2, wherein the server is configured to notify the buyer of a product that has not been delivered as a notification requesting stop of debit from the buyer before the scheduled period has elapsed. When the product is shipped, the shipment is confirmed.If the product has been shipped, wait for the scheduled period to elapse.If the product has not been shipped,
Notify the credit company's terminal again that the product has been shipped,
A credit settlement method characterized by waiting for the elapse of the scheduled period again. 4. A server for setting up an online shop of a seller, which is connected to a terminal of a credit company for withdrawing the price of a product after a predetermined period after the seller sends out the product, via the net. Transmitting, via the terminal of the buyer who is connected to the net and browsing the online shop, information relating to the withdrawal of the product price, which is input when the purchaser makes a decision to purchase the product, to the terminal of the credit company; Means, a term management means for waiting for a predetermined period to elapse after the merchandise has been dispatched, and a notice requesting stop of debit from the buyer before the term management by the term management means ends. And a debit stopping means for instructing the terminal of the credit company to stop the debit of the product price in the case of Over server. 5. A terminal of a credit company connected to a server for establishing a seller's online shop on the net via the net and acting as a debiter of a product price of the online shop, wherein: A purchaser information receiving means connected to the net and receiving, via a terminal of the purchaser who browses the online shop, information relating to a withdrawal of a product price which is input in accordance with the purchase decision made by the purchaser; and the server A notification receiving means for receiving a notification of the completion of the product shipment from the purchaser, and a notification of the completion of the product shipping received by the notification receiving means, and after a predetermined period has elapsed, based on the information received by the purchaser information receiving means. And a means for executing a withdrawal of the price of the product. Line means, before deduction execution, credit company of the terminal, characterized in that to stop the withdrawal of the commodity price if it receives an indication of a stop of the withdrawal from the server.